*Annual Percentage Rate. DFCU's EDUPerks Visa Credit Card of 0% APR is exclusive to those DFCU members who are educators or school personnel. Proof of employer will be requested. Member must sign up for, or have, payroll direct deposit with DFCU of at least $500 per month and an open DFCU Checking Account in order to be eligible for this Visa Credit Card. DFCU will ask for proof of direct deposit into an open DFCU account before funding the credit card. Auto payment must also be set-up at the time of funding. If the direct deposit or auto payment is canceled, the discounted rate will be reverted to the standard DFCU Classic Visa rate the member qualifies for at the time of funding, which is determined by creditworthiness, FICO/Credit Score and other factors. View DFCU's current interest rates at www.downeyfcu.org/rates. A one-time automatic $500 limit increase will occur after six (6) consecutive billing cycle payments are made. Rates may change at any time without notice. Approval of a EDUPerks Visa Credit Card is determined by creditworthiness, FICO/credit score and other factors. Please speak to a DFCU Loan Representative for complete details, qualifying criteria, disclosures and other rates and terms. DFCU standard lending rules and regulations apply.